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Not at all!! I think I'd say something along the lines of:
"Your generous gift has helped us start a great nest egg - we can't wait until our dreams of a house become a reality!"
I would say just that it will be used for a downpayment on your future home. We gave a use for all our monetary gifts.
I said we used it toward furnishing our home. The truth - we used it to get by while I was unemployed - doesn't sound as good!
I refer to money as "generous gift" and then I have said that we are saving it because our next step is buying a house. Its partially true - but some of our money was spent on our honeymoon and redecorating our house!
@gill84: I have only gotten financial gifts for the bridal shower. In my case, I expressed my gratitude for their thoughtfulness, and said that it will certainly come in handy over the coming months.
With wedding gifts, I plan to mention that their gift is helping us "start our life together" -- I love the idea of downpayment on a house, or if you're planning to start a family you could mention that the gift they gave will help you prepare to expand your family or start a family.
We thanked them for the "generous gift" and said something about it it was so helpful in completeing our registries and continuing to make our apartment our home. I think talking about putting it towards your future house would be great!
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I know thank you etiquette dictates that you talk about the gift you received 'e.g. can't wait to make our favourite pizza in this new pan you got us'.
What do you write about money? We mostly got cheques from people, and I want to thank them for it tastefully. We are putting all the money in a savings account towards a downpayment on a house some day, but is it tacky to say so?